INGREDIENTS
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1 (16-ounce) can chili without beans
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1 (16-ounce) can refried beans
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1 (8-ounce) package cream cheese
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1 (8-ounce) jar chunky pico de gallo
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1 (4.5-ounce) can chopped green chiles, undrained
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1/2 teaspoon ground cumin
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Toppings: shredded Cheddar or Monterey Jack cheese with peppers, chopped black olives, sliced green onions
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Bone Crackers